While Don’s death was a great loss to those who knew him, it nearly tore apart his family. You must understand , I loved Don like a brother, but there was one thing that he never did that I hope you take away as a lesson from this story.

Don never finished application for life insurance policy I had sent him. I had already filled in everything for him. All he had to do was sign it. Every time I asked him about it, he always put me off by telling me he would get around to it when he had time. He was just to busy, he said.

When Don died at age of 48, his “estate” consisted of a $400,000 house on which he owed $325,000, some small stock and IRA investments, three cars, and $22,000 in credit card debt. · There was no life insurance to act as income replacement for next 20 years. · There was no life insurance to pay off mortgage debt, credit cards, or auto loans. · There was no life insurance to pay for kids college. · There was no life insurance to pay for Sarah’s wedding.

Marianne ended up having to sell house and take a job in order to make ends meet.

The really aggravating thing was that Don was in decent health and could have gotten a $1,000,000 20 year term life policy for around $150 per month. That $1,000,000 would have gone to his family tax free in a lump sum and would have done a lot of good for his family at a time they needed it most.

Why do I share this story with you? I want you to be aware that decisions you make (or don’t make) can have a major impact on your loved ones. Whether you buy your life insurance from us or get it from someone else, just do it! Before it’s too late.

Don didn’t plan on dying when he did. Few people ever do. Take responsibility and take action.

For additional information, visit us at www.TermSelect.com for a free, no obligation quote for your term life insurance needs. Our technology searches a proprietary database with over 150 insurance companies and literally thousands of policies to find one that fits your needs and your budget. In addition, be sure to request our free report "The Insider's Guide to Secrets Life Insurance Industry Doesn't Want You to Know!" Learn how to be a smart consumer when making one of most important decisions that affects your family's future.

4. Convince your friends (or those who you've helped move in past) to come over and help you. The more people you have, faster things will get done.

A few tips before you start filling boxes:

# Get everything on your AFTER THE MOVE LIST and put it in bath tub of your new place. Why bath tub? Because it's just about only place you won't be shoving boxes into, and it's usually already clean.

# Do not pack things in trash bags.... especially if you have a lot of people helping you move. Someone will throw bags away.

# Don't just mark boxes KITCHEN, or BEDROOM. Break things down into sub-categories. It's easy to do and makes unpacking a breeze. For example you might have KITCHEN - Dishes and Silverware; BEDROOM - Sheets and Comforter, etc.

# When you move boxes, you'll be stacking them, so don't just write contents on top of boxes, write them on every side.

# Wait as long as you can to pack your stereo or T.V. You'll want entertainment while you're packing.

# To protect glasses from breaking, wad up paper to shove inside and then wrap glasses in several sheets of newspaper.

# Don't foget to wad up paper to shove between breakables.

Pack 'til you can't pack any more!

Hopefully, these little tidbits will help you pack for your next move.